Скачать или смотреть Amalgamated Financial Q4 2025: Deposit Surge & Green Loan Arbitrage Triumph

Amalgamated Financial Corp defies the challenging 2026 banking landscape with a standout Q4 2025 earnings report. Posting a solid GAAP EPS of $0.88 and a core EPS of $0.99, the bank beat revenue expectations with $87.91M, showcasing strong net interest margin growth to 3.66%, driven by a record nearly $1 billion deposit increase. This growth amid a rate cut environment highlights the bank's unique deposit strength and strategic loan expansion.

The earnings call reveals a sophisticated balance sheet strategy pivoting from traditional securities to high-yield Commercial Property Assessed Clean Energy (C-PACE) loans, yielding 6-7%, enabling Amalgamated to maintain a robust core earnings engine. Despite isolated credit challenges in multifamily loans and a small hit from residential mortgage sales, managements disciplined approach and strong CET1 capital ratio of 14.26% reassure investors.

Market reaction was bullish with a 6.69% stock price jump, reflecting confidence in Amalgamateds strategic positioning. The banks focus on mission-driven deposit growth, especially from political and nonprofit sectors, combined with innovative green lending, positions it uniquely against regional bank peers. Guidance for 2026 targets $327-$331 million in net interest income and about 10% growth in core pre-tax earnings, signaling optimism for sustained momentum in a turbulent sector.

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